银行业

IX. Article 22 shall be changed into Article 23, of which item (1) of paragraph 1 shall be modified as "demanding that the banking institutions deposit the reserve fund at a required ratio"; and item (3) thereof shall be modified as "handling rediscounting for the banking institutions, which have opened accounts in the PBC"; and item (5) thereof shall be modified as "dealing in treasury bonds, other government bonds, financial bonds and foreign exchange on the open market".

九、第二十二条改为第二十三条，第一款第一项修改为：&要求银行业金融机构按照规定的比例交存存款准备金&；第三项修改为：&为在中国人民银行开立账户的银行业金融机构办理再贴现&；第五项修改为：&在公开市场上买卖国债、其他政府债券和金融债券及外汇&。

The thesis is to analyze the necessity and feasibility of establishing banking deposit insurance system in China by combining the successful experience of the deposit insurance system operation achieved in the developed countries and our banking industrys characteristics.

本文旨在我国银行业改革的特殊背景下，借鉴发达国家存款保险制度运行的成功经验，结合我国银行业特点，分析我国建立存款制度的必要性和可行性，并提出建立我国存款保险制度的构想。

On the basis of briefing the features of deposit products in American banking and the main problems existing in Chinese banking's deposit product design, the paper proposes the following suggestions:(1) quickening the reform of interest rate liberalization to enhance bank's autonomous operation;(2) adding product elements to balance the rights and obligations between depositors and banks;(3)differentiating transaction of funds from bank's service to improve the deposit pricing approache;(4)enriching product catalogues to provide more choices for clients;(5) changing the designing notion that lacks differentiation to pay more attention to market segmentation.

本文在简要介绍美国银行业存款产品设计特点和分析我国银行业存款产品设计存在的主要问题的基础上，提出以下改进存款产品设计的建议：加快利率市场化改革，提高银行经营自主权；增加产品构成要素，平衡双方的权利与义务；区分资金交易和银行服务，改进存款定价方式；增加产品种类，提高客户的可选择性；改变过度平均化的产品设计思想，注重对市场进行细分。

This article starting from comparing separating-operation with multi-operation analyzes the reasons of international baking"s multi-operation in the view of institution economy, in the base of which discusses the necessities, possibilities and significances of our commercial banks" transforming from separating-operation into multi-operation under the background of international bakings multi-operation trend.

本文以国际银行业综合经营趋势为背景，从比较商业银行分业经营与综合经营的利弊入手，从制度经济学的角度分析了国际银行业综合经营的原因，并在此基础上论述了我国商业银行由分业经营向综合经营模式转变的必要性、可能性及意义。

We firstly survey the theory of bank from three strands: the endogeneity and scale of economy of bank; the market structure of bank sector and labor division of banking system.

实证分析检验我们的观点：中国银行业的内生性不足，银行业中国有商业银行在资金配置方面的效率是低下的。

The E-banking is the outgrowth of the technological progress and the financial industry. Although its emergence has brought a series of institutional transition and unprecedented opportunities of development to the traditional banking, it has also brought the negative effect (i.e. E-banking risk) at the same time.

电子银行是技术进步与金融产业相结合的产物，它的出现给传统银行业带来了一系列的制度变迁和前所未有的发展机遇，同时也给银行业带来了负面效应即电子银行风险。

Last month, for the second year in a row, a survey of global business executives by the nonprofit World Economic Forum ranked Canada's banking sector the world's soundest.

上个月，在非营利组织世界经济论坛的一项全球企业高管调查中，加拿大的银行业连续第二年被评为全球最稳健的银行业。

October 6, 2008|SAN FRANCISCO, CaliforniaWeakened by huge losses on risky home loans, the banking industry is now on the shakiest ground since the early 1990s, when more than 800 federally insured institutions failed in a three-year period.

自从在90年代初，在三年内，超过800家联邦保险机构倒闭，银行业的基础已经不稳固了，现在在高风险家庭贷款上的巨大损失，更使银行业的大厦摇摇欲坠了。

Weakened by huge losses on risky home loans, the banking industry is now on the shakiest ground since the early 1990s, when more than 800 federally insured institutions failed in a three-year period.

自从在90年代初，在三年内，超过800家联邦保险机构倒闭，银行业的基础已经不稳固了，现在在高风险家庭贷款上的巨大损失，更使银行业的大厦摇摇欲坠了。

China"s banking industry will soon be completely open, which will make it inevitable for our country"s banking industry being pounded by foreign banks. M Bank has undergone quite a few years of development and carried out the shareholding system reform. However, each staff member of M Bank H Branch has to sober-mindedly realize that, when compared with others in the same business and same department, such problems as the poor comprehensive quality of some of our staff members and the low per capita efficiency have become the "bottleneck" of our further development.

银行业即将全方位放开，使我国银行业所受到的外资银行的冲击不可避免。M银行经过了多年发展，虽然进行了有效的股份制改革，但作为M银行H支行的每一位员工必须清醒地认识到，与同业相比，诸如部分人员综合素质低、人均效益偏低等问题已经成为我们进一步发展的&瓶颈&。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。